Everyday accounts

Everyday Account + Visa Debit Card

With no monthly account fees, our feature-packed Complete Freedom account makes managing your money a breeze

Open now

Smart Banking, everyday, everywhere

$0 monthly account fee
Every dollar counts! You won’t pay any monthly account service fee on your Complete Freedom transaction account
My Offers Hub
Access to offers and benefits on popular lifestyle brands just for being an eligible* cardholder
Fraud money back guarantee
We’ll refund you 100% of any money taken from your account if you’re a victim of fraud provided you let us know right away1

 

*My Offers Hub available to all eligible consumer debit and credit card customers.

    

Easy access to your money at home and overseas
 

Visa Debit Card

With a Visa Debit card you can use your own money to shop in-store, online or over the phone. Heading overseas? You can also use your card while you’re away – from tickets and accommodation to shopping anywhere in the world Visa is accepted.

+

Mobile Banking

Manage your money on the go with the Bank of Melbourne mobile banking app. Not only can you check your account balance with just a swipe, you can also transfer money between accounts or to someone else, find your nearest ATM and keep tabs on your transactions.

    

Special offer

$40

on us!

Get $40 with a new Complete Freedom everyday bank account when you apply online by 30th June 2021 and deposit $500 within 30 days. New transaction account customers only. Exclusions, T&Cs apply*

Open now

Easy, secure, and a fast way to pay with Apple Pay

Enjoy all the benefits of your eligible card using Apple Pay. It’s the easy, secure, and fast way to pay. Learn more

Features

Spend Tracker
All your transactions grouped into categories to help you track your spending habits2
Card Lock
Misplaced your card? Temporarily lock your card for up to 15 days while you look for it
Need to split a bill?
Pay or get paid by anyone, anytime, securely and in real time with the Beem It app when you link your Visa Debit Card
Quick Balance
Know exactly how much money you have on hand at a glance on your smartphone or watch

Fees and charges

  • $0.00 Monthly account service fee
  • $0.00 Cash withdrawals on major bank ATMs in Australia (Certain ATM providers may still charge a fee)
  • $5.00
    Overseas cash withdrawal ($0 when you use our Global Alliance ATMs)
  • 3.00% Foreign currency conversion
  • $15.00 Payment honour fee

Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 645KB)

Complete Freedom Fee Removal FAQs

Starting on 2 June 2020, we will no longer be charging a monthly account service fee on our Complete Freedom transaction accounts.


See all FAQs

In detail

Before making a decision, please read the terms and conditions and ensure you're aware of all fees and charges.
T&Cs and Fees
Internet and Mobile banking T&Cs

How to open an account

1.

Open your account in under 3 minutes.

Types of ID you can use

2.

You can now use your account online.

Your Visa Debit will arrive in the mail.

3.

Automatically import your payees and billers via your Internet Banking and switch your payments.

Switch your banking

Open now

Not right? Try these.

All transaction accounts

All accounts

All Savings accounts

Savings accounts

1. Our Bank of Melbourne Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Bank of Melbourne Promptly. Refer to your card’s conditions of use for full details, including when a customer will be liable.

2. The Spend Tracker tool provides general information only and does not take into account your personal circumstances. It is intended to be a guide only.

Read the Apple Pay Terms and Conditions (PDF 40KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card, and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.